Intervention Design Matrix | Gender Toolkit

Barriers

Discriminatory laws and practices
Lack of gender-sensitive legal frameworks/ labor regulations
Barriers to obtaining official, state-issued documentation
Uneven implementation of laws and practices
Burdensome and costly regulations, policies, and procedures to start and operate business

Poor government outreach and information dissemination
Lack of information about legal and regulatory provisions
Inadequate/biased workplace policies, con-ditions and practices
Biased stereotypes of authority favoring men
Low level of trust in public-facing bureaucrats

Lack of inclusion, predictability, transparency, trust, and dialogue among stakeholders
Low representation of women in formal institutions (e.g. government, support organizations, business organization, etc.)
Low capacity of women ́s representative entities resulting in lack of participation and input into legal and regulatory decision-making

Weak legal/regulatory protections for financial consumers
Limited information and data on gender gaps in finance
Women´s unequal ownership, access and administrative authority (e.g., property, inheritance, collateral)
Gaps in the digital financial ecosystem including digital ID, digital signature, e-KYC, agent banking networks, etc.

Lack of an enabling environment for technology, limiting women’s access to financial services and products
High-risk perception of women borrowers(resulting in, e.g., higher interest rates, shorter repayment periods for women)
Persistent focus on traditional collateral requirements (e.g., immovable property,credit history)

Financial provider practices and products that do not meet women’s needs
Permission of male family member required to conduct financial transactions
Limited financial capability
Fewer women who have bank accounts
Women’s limited personal access to technology and related financial services
Lack of women’s familiarity with technology used to access financial products and services

Lack of gender-sensitive business-service ecosystem (e.g., biased trainers, mismatch between services offered and needs)
Lack of incentives to acquire skills due to social norms and other restrictions
Cost barriers to accessing training and technical assistance

Inadequate skills and knowledge to start, run and expand a business - e.g., financial and technical literacy, business & soft skills, and sector information
Lack of access to relevant business information due to restricted ability to participate in mentoring programs/networks

Limited relevant education
Limited knowledge of access to businessrelated technology tools and software
Restricted mobility
Business decisions constrained by male relatives

Lagging legal and regulatory provisions (e.g.,digital payments, cross-border commerce, etc.)
Inadequate input markets (land, labor, capital)
Cost barriers (compliance, formalization, informal payments)
Limited access to finance, inputs, tools, assets and collateral

Inadequate access to and limited use of technology enablers
Market-related information constraints (e.g.,re: input costs, prices, demand, etc.)
Limited access to new customers
Limited access to networks, (in-)formal information- sharing, and role models

Concentration in less profitable, lower parts of the value chain
Gender-based harassment in business transactions (e.g., buyers, sellers, suppliers, customs officials, etc.)

Intervention Design Matrix

Selection				Potential Interventions	Technology Enabler applied in Intervention	ID/Link	Project Name & Summary
				Provide gender sensitization training for men and couples that includes instructionon the benefits of women's economic participation	ICT training on technology use	P160806	DRC: SME Development and Growth Project Subcomponent 1.2 includes involving women entrepreneur's spouses and family in special events for sensitization on legal changes and reinforcement of the tenets of WEE.
				Provide gender sensitization training for men and couples that includes instructionon the benefits of women's economic participation	mobile application	P171245	ETHIOPIA: Innovations in Financing Women Entrepreneurs (IFWE) project Component 1 collaborates with the Digital Opportunities Trust to pilot an app- based on-demand coaching and business development services training that includes new curriculum involving male partners to encourage greater support for women's economic activities.
				Strengthen women's resilience and coping mechanisms to deal with social backlash through soft skills training	virtual, interactive trainings	603670	ARMENIA: Women Entrepreneurship Project Component B.1 includes virtual and in-person (when possible) psychology-based Personal Initiative Training (PIT) to develop mindset associated with proactive, entrepreneurial behavior.
				Identify and integrate women entrepreneurs, business professors, and advisors to join trainer cadre	videos	WBG Gender Innovation Lab	TANZANIA: Business Women Connect project Component 2 includes cadre of all-female business counselors with previous business experience who taught business skills trainings to WSMEs through activity-based learning and videos..
				Identify and integrate women entrepreneurs, business professors, and advisors to join trainer cadre	digital learning platform	604378	INDONESIA: Farmer Capacity Development Through Digital Platform and Financing Sub-Component 1.C includes women-led facilitators being trained in use of digital learning platform, including quizzes to test knowledge of farmers administered by trainers on tablets provided by the project.
				Provide capital and business development skills through matching grants to WSMEs	ICT, training on technology use	P160806	DRC: SME Development and Growth Project Subcomponent 2.1 Enhancing growth and performance of SMEs includes matching grants to established SMEs, at least 40% of whom must be WSMEs. Matching grants were combined with technology modules that promoted Internet-based and mobile technology to access information and financial services (online and mobile banking) as well as e-commerce.
				Provide capital and business development skills through matching grants to WSMEs	virtual, interactive technical expertise	P152441	GEORGIA: National Innovation Ecosystem (GENIE) project includes Component 3 startup and Innovation matching grants to entrepreneurs. Coaching & technical assistance with applications and technology commercialization process provided by local & international experts.
				Provide capital and business development skills through matching grants to WSMEs	interactive website	P147354 (no public link to project documents)	MEXICO: High Impact Entrepreneurship Program (HIEP) operated by the National Institute of the Entrepreneur (INADEM) included online surveys that innovative SMEs complete to be considered for matching grants.
				Build capacity of institutions serving women-owned businesses	digital platform	P170688	BANGLADESH: Private Investment & Digital Entrepreneurship Project, Sub- component 4 includes piloting entrepreneurship and innovation hubs in Bangladesh's leading technological universities and business schools, specifically promoting digital entrepreneurship among women through media-based challenge program offering reduced prices of ITS and ITeS rapid training programs.
				Build capacity of institutions serving women-owned businesses	not applicable	P156259	SENEGAL: Digital Entrepreneurship Senegal project Component 1 strengthens CTIC Dakar's (mLab West Africa) institutional capacity to launch globally competitive mobile and digital technology businesses.